Income fluctuated between 6 and 8k per month (Covid year is bad for Airbnb) with a single month of 10k income. 

Then I also look at pricing fluctuations and the average wage.

I find it as an hassle especially when property tax fluctuates, I think handling taxes and insurance myself gives me more control.How do I approach the lender to waive escrow, I am somewhat afraid this escrow negotiation may impact my interest rate, I guess I will need to handle this tactfully.Appreciate inputs from the experienced members here.Thanks

Telling potential tenants that they don't have to worry about fluctuating bills tends to be a selling point for me.5) Yes I provide the washer/dryer so all tenants can use the common hookup. 

Rates also fluctuate based on how much assistance you want to access.

The six-county region’s median price of $605,000 was down slightly from a record $610,000 in October, although it’s not unusual for prices to fluctuate month to month.

Also if it cash flows wells as a rental/house hack it will act as a hedge against market fluctuation.

If you stay in the same class it might work but variable expenses really do vary so look at them case by case and some of these fluctuate because of differing rules within a municipality. 

Being one step ahead of the game is important, especially when the market you're dealing with (i.e. real estate) can and does fluctuate in a BIG way that effects your investments and your business.   

Your home is worth what its worth, and the LTV guidelines don't fluctuate.